Compliance & Disclosures

Privacy Policy

H & L Group (“we,” “our,” or “us”) respects your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website or use our services.

Information we collect

• Contact information (name, email, phone)
• Policy or quote requests
• Usage data (IP address, browser type, website interactions)

How we use information

• To provide and manage insurance services
• To communicate with you regarding quotes, policies, and updates
• To comply with legal and regulatory requirements

Information sharing

• We share personal information only with licensed partner insurance companies to provide coverage options.
• We may also share information to comply with legal requirements or protect our rights.

Security

We use administrative, technical, and physical safeguards to protect personal data.

Your rights

You may request access, correction, or deletion of your personal information by contacting us at info@hnlgroup.com.

Policy updates

We may update this Privacy Policy periodically. Updates will be posted on this page with the effective date.

Terms of Use

Acceptance of terms

By accessing this website, you agree to these Terms of Use. If you do not agree, please do not use our site.

Use of site

• For informational purposes and to request insurance services.
• You may not copy, reproduce, or distribute content without permission.

No insurance coverage provided

H & L Group does not underwrite insurance. All coverage is provided by licensed partner insurers. Quotes or information on this website do not guarantee coverage.

Limitation of liability

H & L Group is not responsible for errors or omissions in content or for any direct or indirect loss from reliance on this website.

Changes to terms

We may modify these terms at any time. Updated terms will be posted with the date of revision.

Disclaimers / Compliance & Disclosures

Insurance & financial disclaimers

• H & L Group is a licensed insurance agency/broker and does not provide investment advice or underwrite insurance.
• Insurance products are offered through our partner companies and are subject to terms, conditions, and underwriting approval of the issuing insurer.
• Coverage, benefits, and availability may vary by state.

General disclaimers

• Content on this website is for informational purposes only and is not a guarantee of coverage.
• H & L Group does not endorse any specific insurer; our role is to present options and help you make informed choices.

Regulatory compliance

• H & L Group complies with all applicable state insurance regulations.
• All agents are licensed in the states in which they provide services.

Contact

For questions regarding these disclosures, privacy, or compliance, contact info@hnlgroup.com or call +1 (732) 508-0008.